The health industry in the United States is a mess, probably worse than a woke vampire movie where vampires use pronouns like undead/cursed and make their victims go to DEI training (Death, Exsanguination and Immortality) before selecting them based on their social privilege score. Talk about sucking!
But back to the point: the system is a mess. Case in point, the insurance companies are for-profit institutions. As, um, you might have noticed from recent events this leads to almost inevitable conflict between the patient and “their” insurance company.
-WiscoDave